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Where to start in paying off collections
I have a poor credit score 516 (It tanked 60 points last month unsure why nothing changed). I have a few small items on there, Nationwide $56.00 (not sure why as they are my current insurance!?) A $88.00 cable bill from it not being shut off when I moved. Then a few odd medical debts. No credit card debt they are in good standing as they are low limit cards. Now here is the big one a auto repo of $8,800. It was a voluntary surrender, it is showing charge off closed at the moment. I do not know what to do. Or where to start. Do I pay off all the small things first (they must not be hurting to much as I just got two credit cards). Or do I work on that REPO, I cant find any info on how to negotiate removal for paying it off or to get it "paid as agreed". I know I defaulted and told them to come get it but our income went from $4,000 a month to $800.00 a month after my fiance' lost his job. I have went back and forth with trying to go back to work but with childcare expenses it will put us in the whole rather than coming out ahead. Any tips on what to pay down first the few little things? Or negotiate the repayment of the repo loan? Also they waited an additional 5 months to come and get it, called apologizing that they dropped the ball. Is there anyway to get them to waive the fees that were associated with their mistake in not physically getting it when they were supposed to? It was a predatory loan (24.3% interest) by my states standards but since the loan company is based out of NC they were not bound by our states laws (I think from my research anyway). I noticed that as of December it is not reporting "Charge off Collection". They have made no attempt to contact me at this point either. So what are my options since winning the lottery is out lol. Thanks for any and all input I am desperate but I also know I cannot afford a lump payment nor a big monthly payment either. I think they will most likely be unwilling to work with me if I offer around $100.00 a month since it would take me 90 months at that rate.. I just do not know how to proceed at this point. I would like to get it paid off so I could buy a house in the future before I am to old to enjoy home ownership. I wanted to attempt a good faith letter and try to make arrangements for repayment but I honestly think they will laugh at it since I cannot afford much of a payment at this point.

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